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XOOPS can do this without much problem as well as several other CMS-es. It has a low learning curve and it is easy to build extra features upon XOOPS when needed. The only disadvantage is that the SEO friendly url's are not as nice as they can be. I am sure for mortgage websites this would be a pro
. One of the strong points of XOOPS is that it has a very supportive community, in case you need help with your installation.
Drupal (
http://www.drupal.org) is really nice for the basic functionality plus they have a good looking URL's. I never worked with Drupal though so I don't know how high the learning curve is. But be sure to check it out.
There is also Joomla, which has plenty of out of the box functionality. Customizations are not that easy though according to some XOOPS members who tried it.
There are a couple of others such as wordpress, which is by nature a blogging tool, but has been expanded to as much as a CMS
.
Good luck on your search.